Get paid for the care you’ve already delivered.
Built for providers. Powered by partners.
Patient payments, insurer reimbursement and revenue cycle in one workflow — built to work inside the systems you already run.
Built to work inside the systems you already run
Private Healthcare Runs on Payments It Can't See
Demand is not the problem. Collecting on it is.
Patient payments
Estimates, deposits, plans and balances — taken on generic terminals with no healthcare logic behind them.
Insurer reimbursements
Claims submitted, settled short and chased by hand, with little visibility on what will actually be paid.
Revenue cycle
AR, collections, financial communications and patient engagement — in separate systems, or absent entirely.
PrivaPay brings them into one.
Proven at national scale in the US, and brought to the UK by operators who have already built it there.
Every Balance, Plan and Settlement in One View
Real-time visibility across patient payments and payer reimbursement.
- Live position across every site, clinician and payment method.
- Claims and remittances matched automatically, exceptions surfaced.
- Plan performance tracked from first instalment to final payment.
- Reporting your finance team can reconcile against the ledger.
Patient side
Payer side
automatically
Features Built for Healthcare Providers
Everything designed around healthcare, not retail payments.
Omni-Channel Payments
POS, online, mobile and virtual terminal with unified processing.
EHR Integration
Seamless integration with Epic, Cerner/Oracle, MEDITECH and other leading systems.
Payment Methods
Cards, wallets, bank transfers and plans — meeting the diverse needs of patients.
Financial Experience
Engagement features that simplify patient interactions and raise satisfaction.
Smart Configuration
Plans, refunds and complex location, user, device and settlement requirements.
Provider Console
Transaction visibility, detailed reporting, real-time insight and system management.
Advanced Support
Real-time support for patients and providers, reducing administrative overhead.
Data Security
Secure, compliant and encrypted — built to meet healthcare and banking standards.
The Conversation Your Front Desk Doesn't Have Time For
Most balances go unpaid because nobody explained them. An AI counsellor answers billing questions the moment a patient asks, in your tone of voice, on terms you have already approved.
- Explains what the bill is for, what the insurer covered and what remains — the three questions behind almost every billing call.
- Offers only the terms you have pre-approved. It never invents a discount, a write-off or a plan length you haven't authorised.
- Billing only. It does not discuss clinical matters and does not give financial or debt advice.
- Hands to a human on request, and automatically where a conversation suggests hardship or distress.
- Web, SMS and email, out of hours, with every interaction logged and auditable.
Offer the Plan That Finishes, Not the One That Defaults
A plan that fails costs more than no plan at all. Every balance is scored against how similar balances actually behaved, so the plan you put in front of a patient is the one most likely to run to the end.
completes
is at risk
short-pays
- Plan length, deposit and instalment set against predicted completion rather than a fixed policy.
- Balances at risk of ageing surface early, while contact still changes the outcome.
- Channel and timing chosen per patient — the message that gets answered, at the hour it gets answered.
- Claims likely to settle short flagged before submission, not after the remittance arrives.
- Trained on healthcare payment behaviour, not generic credit data — the two look nothing alike.
Predictions inform what is offered to a patient and how a balance is worked. They are not credit decisions, they are not affordability assessments, and no patient is refused care or treated differently on the basis of one.
Already using PrivaPay?
Sign in to the provider console for transactions, reporting, plan management and settlement reconciliation.
- Single sign-on available for hospital groups.
- Role-based access by site, user and device.
- Multi-factor authentication on every account.
Provider login
Sign in to the provider console to manage transactions, reporting, payment plans and settlement reconciliation.
Go to the provider consoleForgotten your password? Contact support
See what you're not collecting
A short session with your own numbers: where balances are leaking, what your reimbursement cycle is costing you, and what changes in the first ninety days.
Contact Information
Send us a message
Payments your customersnever have to leave for.
For EHR, PMS and healthcare software vendors.
Embed healthcare payments natively in your product. You keep the customer, the workflow and the interface — and take a share of every pound processed through it.
Your customers are already taking payments. Just not through you.
Every practice on your platform runs a terminal, a portal or a bank integration somewhere outside your product. That volume is revenue leaving your ecosystem, and a workflow you don't control.
New revenue, no new product
A recurring share of processed volume from customers you already have, on an integration we build with you rather than for you to build alone.
Stickier customers
Once money moves through your product, migration cost rises sharply. Payments is the hardest module for a competitor to prise out.
None of the regulatory weight
We carry the acquiring relationship, PCI scope, scheme compliance and settlement obligations. You carry the interface.
Refunds and reclaims handled
Refunds, corrections and reclaims run through the same flow and match back to the original payment, so your support team never has to run a separate process for money going the other way.
Integrate Once. Everything Downstream Just Works.
Payments become part of your product rather than a portal beside it. We build the integration with you rather than hand you a specification.
- One integration covers card present, online, phone and plans.
- Every transaction carries partner attribution for revenue share.
- Signed webhooks for settlement, remittance and exception events.
- Sandbox and production environments, with our engineers alongside yours through build and launch.
& webhooks
& production
endpoints
What we do together
Partners see one process, not two vendors.
01 · Scope
Integration design, commercial terms and the customer cohort we launch with. Two to three weeks.
02 · Build
Sandbox access, reference implementation and joint testing against your release cycle.
03 · Launch
A pilot cohort onboarded together, with training and first-line support run alongside your team.
04 · Scale
Rolled through your base at your pace, with monthly reporting on volume, revenue and attribution.
Talk to us about a partnership
Tell us what you build and roughly how many practices you serve. We'll come back with an integration outline and indicative commercials.
partners@privapay.health
Reimbursement builtfor private healthcare.
For private medical insurers.
Proven at national scale in the US, and brought to the UK by the operators who built it there. We provide the mechanism, carry the complexity, and change nothing about how you adjudicate or approve a claim.
One Step in the Chain. Everything After It Improves.
Adjudication, approval, pricing and provider contracting are untouched.
for you
unchanged
opts in
PrivaPay does not fund, advance or discount any receivable. Your funds, your approval, a different rail.
Better for you. Better for the providers you pay.
This only works if both sides gain, so it is built that way. Every provider opts in explicitly, and nothing in their agreement with you changes.
Providers see a cleaner payment
Funds arrive with the claim reference attached, through the provider’s own account, rather than as an unexplained credit to be matched later.
The remittance travels with it
The claim reference is carried on the payment itself, so there is no matching exercise and no call to your service desk to ask what a payment relates to.
Your operating cost falls
Payment operations, remittance queries, exception handling and reconciliation all reduce — none of which shows in a claims ratio, all of which is real cost.
The provider opts in
A provider agrees to take part before anything changes for them, and can withdraw at any point. Your existing rail stays live throughout, and for any provider who chooses not to join it stays live permanently.
There is a commercial case alongside the operational one. It turns on your settlement volume, your cycle length and your return on cash, so we build it privately against your numbers rather than publish figures that would be wrong for most carriers.
Proven at national scale in the US
Around $75bn a year of US healthcare claims already settles on card rails through Optum Financial alone. Brought to the UK by the operators who executed it there.
The rails exist
Everything the model needs is already live in the UK. What has been missing is not technology or permission, but an operator to run it.
We do the heavy lifting
Working with Healthcode, we have made the implementation lift as light as it can be. The build sits with us, not with your technology team.
Refunds and reclaims
Overpayments, corrections and reclaims are handled within the same flow, matched back to the original claim rather than chased separately.
Providers know the model
Any group with US exposure has already handled payer-side electronic settlement, so this is a familiar conversation rather than a new one.
The questions your risk function will ask
Answered here rather than in a follow-up.
Is this lending in disguise?
No. PrivaPay does not fund, advance or discount any receivable at any point. The money reaching the provider is your money, released on your approval, on a card rail rather than a bank transfer.
Who holds the provider relationship?
You do. Participation is opt-in per provider, reversible at any time, and requires no change to their agreement with you.
What happens to the data?
Settlement instructions and remittance data only. ISO 27001 certified, Cyber Essentials Plus, PCI-DSS and GDPR aligned, with information security led in-house under a named executive owner.
What if it doesn't work?
The existing BACS rail stays live throughout any pilot. Nothing is decommissioned and the programme can be stopped without operational unwind.
How is settlement grouped?
We batch by provider rather than by invoice — a single funding instruction covering everything owed to that provider, with each claim reference carried through to reconciliation. Cadence is whatever suits your operations. We will walk you through it on a call.
Model it on your numbers
Bring one figure — your annual provider settlement spend — and we will build the position against your own numbers. No procurement process, no obligation.
insurers@privapay.health